These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Regional Australia Bank offers a range of home loans for Australian borrowers. Check out the full table of Regional Australia Bank products below or read more about the lender.
Cashback offer
You could score a cashback up to $4,000 by taking out an eligible home loan from Regional Australia Bank.
If you're borrowing between $250,000 to $499,999.99 you could receive $2,000.
If you're borrowing between $500,000 to $749,999.99 you could receive $3,000.
If you're borrowing between $750,000+ you could receive the full $4,000.
The loan must be with an LVR of 80% or lower and the offer is only available on certain lending products, but both refinancers and purchasers are eligible.
It's only available for loans applied for and approved after 8 November 2024 and before 30 June 2025. The loan must be funded by 30 September 2025.
One cashback applies to all applicants.
Compare Regional Australia Bank home loans for April 2025
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How do I apply for a mortgage from Regional Australia Bank?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Eligibility
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Regional Australia Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:
ING. This online bank is part of the global, Dutch financial group of the same name.
Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio
Richard's expertise
Richard has written 605 Finder guides across topics including:
Discharged bankrupts start off their financial state fresh, but some may still find it difficult to get a mortgage. Discharged bankrupts may still get a home loan, but with stricter conditions and higher loan rates.
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Find out whether you can get a home loan application approved by a lender if you have bad credit.
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